Privacy Policy

PRELIMINARY PROVISIONS

My cash cow. undertakes to comply with the Policy. Every user agrees that the Policy may be modified by My cash cow. at any time and without prior notice, and that they are bound by such modifications; consequently, My cash cow. suggests that users consult the Policy regularly.

AUTOMATICALLY EXCHANGED DATA

When a user accesses the website, their computer and the servers of My cash cow. automatically exchange data. This exchange is necessary to enable the server to transmit a file compatible with the computer equipment used by the user.

The data exchanged consists of the following: the identification of the user's Internet Service Provider; the user's IP address; the type of browser (e.g., Firefox, Explorer) and operating system (e.g., Windows, Mac OS) used by the user; the pages visited by the user; the date and time at which the user accesses the website; and the address of the referring site, if the user accesses this website from another website. Most of the information automatically transmitted between computers does not make it possible to identify a specific user. Such information is collected solely due to technological requirements inherent to Internet browsing and for the purposes mentioned in this Policy.

COLLECTION OF PERSONAL INFORMATION BY My cash cow

We collect the following information:

• Last name;
• First name;
• Postal address;
• Postal code;
• Email address;
• Phone number;
• Gender;
• Date of birth;
• Occupation (including user status);
• Any other personal information necessary for the provision of services.

The personal information we collect is gathered via forms (notably the loan application form on the website) and through the interactivity established between the user and our website.

GOOGLE ANALYTICS

My cash cow. uses the Google Analytics service and is required to inform the user of how data will be used. For more details, please consult Google's Privacy Policy and Terms of Use: http://www.google.com/intl/fr/policies/privacy/partners

USE OF COOKIES

Cookies are used to facilitate navigation through the pages of the website. These cookies do not collect personal information about users. Users may configure their browsers at any time to block cookies. However, doing so may prevent the user from accessing certain features offered on the website. If a user is using a computer in a public place or sharing a computer with other users, My cash cow. recommends clearing their browsing history before ending each session.

PERSONAL INFORMATION

Collection of Personal Information

The Website does not employ any technology designed to collect personal information regarding the user without their consent. The user is free to use the Website without their personal information being collected automatically, subject to the provisions set forth in this Policy.

Indeed, subject to the provisions set forth in this Policy, no personal information is collected without the user's prior consent. The only personal information that may be collected by My cash cow. is the information that the user voluntarily provides to My cash cow. or provides in accordance with this Policy. In order to provide the service requested by the user, to open a user file, or to comply with the law, My cash cow. reserves the right to request that the user provide personal information or supporting documents. Use of Personal Information. Personal information is processed and retained in compliance with the provisions of the *Act respecting the Protection of Personal Information in the Private Sector* (Quebec) (hyperlink: http://www.legisquebec.gouv.qc.ca/fr/showdoc/cs/P-39.1).

Personal information is used by My cash cow. only to the extent provided for by law. This means that, barring exceptions provided for by law, My cash cow. will seek to obtain the user's consent prior to any use of personal information concerning the user for purposes other than those for which the user provided it, or for purposes other than those set out in this Policy or in the law. Personal information is accessible to employees of My cash cow. insofar as such access is necessary for the performance of their duties.

The personal information provided by the user may be used by My cash cow., notably for the following purposes:

– To verify age and place of residence;

– To provide the services requested by the user;

– To conduct verifications to determine whether the user complies with the Terms of Use and applicable laws;

– To compile statistics;

– To track a user's loan application and carry out the loan approval process in accordance with the policies of My cash cow.;

– Transmit information and promotional offers (with the understanding that the user may unsubscribe at any time by sending a request to that effect to My cash cow.), as provided for in Article 11 of this Policy;

– Improve the management of the Website (presentation, organization);

– Enhance service and personalized user experience;

– Create personalized consumer profiles;

– Track orders;

– Exercise its rights against any user, within the limits permitted by law—including, in particular, by transferring personal information to any collection agency.

To develop artificial intelligence to facilitate service delivery and collections. My cash cow. engages with partners with whom users' personal information may be shared, free of charge, for promotional purposes. In such an event, My cash cow. will ensure that any partner with whom such personal information is shared is bound to My cash cow. by a confidentiality agreement regarding the processing of said personal information—an agreement that shall be at least equivalent to the provisions of this Policy.

Disclosure of Personal Information

My cash cow. may disclose personal information when required by law or by an order from a competent authority. My cash cow. may also disclose personal information to subcontractors, if necessary for the purpose of providing its services. Retention and Destruction of Personal Information: My cash cow. implements appropriate security measures to ensure the protection of personal information concerning users, utilizing, in particular, the following measures:

– SSL (Secure Sockets Layer) protocol;

– Network monitoring software;

– Computer backups;

– Digital certificates;

– Firewalls.

Furthermore, My cash cow.'s commitments regarding the protection of personal information meet the requirements of the following program: SSL Certificate. My cash cow. retains personal information only for the duration necessary for the purposes set out in this Policy and to comply with its legal and regulatory obligations. To learn more about the duration for which we retain personal information, you may contact My cash cow. using the contact details provided in Section 11 of this Policy.

Right of Access and Rectification

Every user has the right to access their personal information held by My cash cow. that concerns them. If any information is inaccurate, incomplete, or ambiguous, the user may request in writing that it be corrected. To access the personal information held by My cash cow., a request must be submitted by contacting My cash cow. using one of the methods provided in this Policy. In this regard, My cash cow. complies, in particular, with Section 19 of the *Act respecting the Protection of Personal Information in the Private Sector* (Quebec): Any person operating an enterprise whose object is the lending of money, and who consults credit reports or recommendations concerning the solvency of natural persons prepared by a personal information agent, must inform such persons of their right of access and rectification regarding the file held by the agent, and indicate to them how and where they may access such reports or recommendations and have them rectified, where applicable. The person operating such an enterprise must communicate to any natural person who requests it the content of any credit report or recommendation that they have consulted for the purpose of making a decision concerning that person.

Right of Objection and Withdrawal

We commit to offering you a right of objection and withdrawal regarding your personal information, subject to the rights of My cash cow. concerning the use of personal information as set forth in this Policy and under applicable law. The right of objection is understood as the opportunity afforded to users to refuse to have their personal information used for certain purposes specified at the time of collection. However, the user understands that exercising this right of objection may result in My cash cow. being unable to provide its services; in such a context, My cash cow. reserves the right to withhold such services, without incurring any liability on the part of My cash cow.

HYPERLINKS TO THIRD-PARTY SITES

The Website may provide hyperlinks to other websites. Information exchanged through these other websites is not subject to this Policy; therefore, we recommend that you review the privacy policy applicable to said websites.

LANGUAGE

In the event of any discrepancy between the French and English versions of the Website's content—including this Policy—the French version shall prevail.

PRIORITY OF CONTRACTS

Any provision of any specific contract or agreement between My cash cow. and you that is incompatible with the provisions of these Terms or the provisions of the Privacy Policy shall take precedence over said provisions.

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